Hello all, I hope everyone is staying safe, here is my question. I received a random text from LVNV saying that my CreditOne account had been sold to LVNV Funding. Here is the issue, prior to getting this text, I had paid my two accounts for the full amount due and CreditOne accepted payment and cashed my checks, but when I called them they said the account was already charged off. I'm not really sure what my next step should be. Any advice is most welcome.
By signing up a debt counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
Some creditors and collection agencies refuse to lower the payoff amount, interest rate, and fees owed by the consumer.
Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.